• Experimental/investigative services, or telephone consultations.• Medical or dental expenses payable under any existing group health or accident insurance orfor any expenses incurred after your return to your city of residence.

• War or hostilities of any kind (for example, invasion, rebellion, insurrection, riot, or civilcommotion); confiscation or damage caused by any government, public authority or customsofficial; risks of contraband; illegal activity or acts and military duty.

• Air travel, except as a passenger on a licensed aircraft operated by an airline or air charter company.• Non-emergency services, supplies, or charges.• Injury, illness, or loss due to normal pregnancy or childbirth, professional athletics or training,participation in any athletic events that require payment of any entry fee, including training forsuch event(s); mountain climbing, motor competition, intentionally self-inflicting harm.

Additional information:• All medical transportation must be approved by both the attending doctor and the AssistanceCenter staff. All other travel benefits must be approved in advance by the Center. All travel willbe scheduled, economy class, if original ticket(s) cannot be used. MasterAssist must be giventhe return ticket(s), or must be reimbursed the value of unused ticket(s). Expenses without priorapproval of the Center will not be reimbursed. The maximum amount paid for travel andrepatriation costs, beside shipment of remains, is USD $10,000 on any single covered trip.

• By making a request for assistance, or a claim for health or dental benefits, you assign to AXAAssistance the rights to receive benefits and/or reimbursement payable under other health ordental insurance for covered services performed or paid for by AXA Assistance.

How to file a claim:1. Call 1-800-MC-ASSIST to obtain a claim form. Report the claim within 60 days of the

completion of the care you receive, or we will not be able to honor your claim.2. Complete and send the claim form with all documentation to the MasterCard Assistance Center.Reminder: Please refer to the Final Legal Disclosure section.*If a cardholder’s mailing address is in the State of New York, mileage requirement is not applicable.3. LEGAL ASSISTANCEThe Beneficiary is entitled to obtain the following services:Legal ReferralsMasterAssist provides referrals to lawyers or other legal service providers including the provider’sname, address, telephone number, office hours, specialty and language resources.Wheneverthere is sufficient information to do so, we shall refer you to two or more legal professionals sothat the Beneficiary may have the benefit of choosing. MasterAssist uses reasonable efforts toensure that its referrals are to legal service providers who meet the reasonable professionalstandards of the country or city where the traveler is located. MasterAssist will also follow upwith the Beneficiary in each case to ensure that the service rendered was satisfactory.Legal Assistance—Up to USD $1,000If you are jailed (or threatened to be) following a road traffic accident, MasterAssist can appointand advance the fees of a lawyer. It is expressly understood and agreed upon that all costs are thesole responsibility of the cardholder, and can be charged to thecardholder’s account, subject to authorization by the Card Issuer.Advance payment for bail bond—Up to USD $5,000If you are jailed (or threatened to be) following a road trafficaccident, MasterAssist shall advance the bail bond. It is expresslyunderstood and agreed upon that all costs are the soleresponsibility of the cardholder, and can be charged to thecardholder’s account, subject to authorization by the Card Issuer4. TRAVEL PERSONAL ASSISTANCEMasterAssist will make available to Beneficiary:• Information for preparing a journey• Information on visas, passports• Information on inoculation requirements for foreign travel• Information on customs and duty regulations,• Information on foreign exchange rates and value-added taxes• Referrals to Embassies or Consulates

Repatriation of remainsIn the event of the Beneficiary’s death, MasterAssist willarrange for the repatriation of remains to the place of burialin his/her country of residence. Transportation of remains willbe subject to international laws and regulations. It isexpressly understood and agreed upon that all costs are thesole responsibility of the cardholder.

Prescription transfer/shippingMasterAssist helps the Beneficiary replace lost or misplacedmedication or other important items such as eyeglasses orcontact lenses, by first endeavoring to find a local resource forreplacement, or by locating and arranging prompt shipment ofthe item or its equivalent (subject to local law).2. TRAVEL SERVICES MEDICAL PROTECTIONIf you have a medical emergency away from home,

MasterAssist Medical Protection can help you get the best care. MasterAssist Medical Protectionis an insurance program.What is covered:• A global referral network of local physicians, dentists, hospitals, and pharmacies.• Emergency treatment by a physician or dentist, for covered medical, surgical, and dentalconditions arising from illness or accidental injury incurred during your trip. Each coveredindividual can receive up to USD $2,500 in coverage. (Because coverage is secondary, filewith your own insurance company first, then we’ll help cover the difference.) There is adeductible of USD $50 per person, per trip.

• Coverage is limited to emergency medical services resulting from accidental injury or emergencyillness, which, if not treated immediately, could be expected by a prudent layperson to place apatient’s life, or the life of an unborn child, in jeopardy or seriously impair the patient’s bodilyfunctions. Emergency illness benefits are limited to a maximum of USD $500 per day.

• If you’re hospitalized while traveling alone, we’ll make arrangements to obtain care. If needed,we’ll pay for transportation to another medical facility or your home. If you’re traveling withdependent children, we’ll arrange, and pay, for their return home if your hospitalization isexpected to last 8 days or more.

• When you’re traveling alone and hospitalized outside the United States for more than 8 days,we’ll make and pay for travel arrangements for a round-trip, economy-class ticket to bring arelative or close friend to you. If you need to recuperate in a hotel after hospitalization, we’llpay up to USD $75 a day, up to 5 days, to help cover hotel expenses.

• If you die while traveling, we’ll arrange for your remains to be sent home, pay for repatriation,and help make arrangements for your travel companions(s) to get home.We would do thesame for you if your travel companion(s) should die.

• If one of your immediate relatives dies at home while you’re traveling abroad, we’ll pay for yourreturn to the United States.

• Coverage is secondary to any existing health and dental coverage (such as worker’s compensation,disability benefits law, or similar law) whether or not a claim is filed under such insurance.

Who is covered:• You, your spouse, and unmarried dependent children under age 22, traveling with you.Where you’re covered:• At locales 100 miles or more from your home*, except in Afghanistan, Iran, Iraq, Kampuchea,Laos, Libya, Myanmar, North Korea, Sri Lanka, Vietnam, and other countries we deem unsafe.

When you’re covered:• You’re covered from the day you leave until midnight of the 60th day of your trip, or the dayyou return to your city of residence, whichever is sooner. If your trip is extended due to acovered illness or injury, coverage extends to 48 hours after your return.

What is NOT covered:• Services, supplies, or charges not prescribed by, or performed by, or upon the direction of aphysician or dentist, not medically necessary, rendered by other than hospital providers, notlegally obligated to pay in the absence of any coverage.

MASTERCARD VAT RECLAIM SERVICE

VAT Refunds on Business Travel ExpensesU.S. Companies are entitled to recover the Value Added Taxes (VAT) expenses that your companyemployees incur on foreign business travel.The VAT paid on hotel accommodations, employee meals, conferences, exhibitions, trade shows,car hire, and similar business travel expenses are recoverable in most European countries.The rules and scope of VAT recovery vary from country to country, but we will determine what iseligible for reclaim and will handle all the claim processing and submissions to the VAT RefundingAuthorities.To claim VAT refunds, it is essential that your company be able to provide the original hard-copysupplier invoices on which you paid VAT.MasterCard customers can avail themselves of a discounted fee based on a percentage of therecovered VAT.For information on our VAT recovery services and to commence your company’s VAT reclaimprocess, contact:U.S. Toll free: 1.800.306.6068Int’l. telephone: +353.66.97.61772E-mail: contact@fexcovatrefunds.comWeb: www.fexcovatrefunds.com

MASTERCARD GLOBAL SERVICEMasterCard Global Service® provides worldwide, 24-hour assistance with lost and stolen cardreporting, emergency card replacement, and emergency cash advance. Call MasterCard GlobalService immediately to report your card lost or stolen and to cancel the account. If you need to makepurchases or arrange for a cash advance, with your issuer’s approval, you can receive a temporarycard the next day in the United States, and within two business days most everywhere else.In the United States (including all 50 states, the District of Columbia, the U.S. Virgin Islands,and Puerto Rico) and Canada, call 1-800-MC-ASSIST (1-800-622-7747). When out-of-countryand in need of assistance, you can easily reach a specially trained MasterCard Global ServiceRepresentative who can help you 24 hours a day, 365 days a year, in any language. You cancall toll free from over 75 countries worldwide. Some of the key toll free MasterCard GlobalService telephone numbers are:

Australia............................................................................................1-800-120-113Austria ..............................................................................................0800-21-8235France ..............................................................................................0-800-90-1387Germany ..........................................................................................0800-819-1040Hungary ..............................................................................................06800-12517Ireland. ............................................................................................1-800-55-7378Italy ......................................................................................................800-870-866Mexico........................................................................................001-800-307-7309Netherlands ....................................................................................0800-022-5821Poland ..........................................................................................0-0800-111-1211Portugal ..............................................................................................800-8-11-272Spain....................................................................................................900-97-1231United Kingdom ..................................................................................0800-96-4767

For additional information, or for country-specific toll-free telephone numbers not listed above,visit our Web site at www.mastercard.com or call the United States collect at 1-636-722-7111.

Account Information and Card BenefitsWhen in the United States, contact your card issuer directly for account information and1-800-MC-ASSIST for card benefits. When traveling outside the United States, callMasterCard Global Service to access your card issuer for account information or to access anyof your card benefits.

issued by U.S. financial institutions. The United States is definedas the fifty (50) United States, the District of Columbia, AmericanSamoa, Puerto Rico, Guam, and the U.S. Virgin Islands. Noperson or entity other than the MasterCard cardholder shall haveany legal or equitable right, remedy, or claim for benefits,insurance proceeds and damages under or arising out of theseprograms. These benefits do not apply if your card privilegeshave been cancelled. However, insurance benefits will still applyfor any benefit you were eligible for prior to the date that youraccount is suspended or cancelled, subject to the terms andconditions of coverage.

Transfer of rights or benefits: No rights or benefits providedunder these insurance benefits may be assigned without the priorwritten consent of the claim administrator for these benefits.

Misrepresentation and Fraud: Benefits shall be void if theMasterCard carholder has concealed or misrepresented any material facts concerning thiscoverage.

Due Diligence: All parties are expected to exercise due diligence to avoid or diminish any theft,loss, or damage to the property insured under these programs. “Due diligence” means theperformance of all vigilant activity, attentiveness, and care that would be taken by a reasonableand prudent person in the same or similar circumstances in order to guard and protect the item.

Subrogation: If payment is made under these benefits, the insurance company is entitled torecover such amounts from other parties or persons. Any party or cardholder who receivespayment under these benefits must transfer to the insurance company his or her rights torecovery against any other party or person and must do everything necessary to secure theserights and must do nothing that would jeopardize them, or these rights will be recovered from thecardholder.

Salvage: If an item is not repairable, the claim administrator may request that the cardholder orgift recipient send the item to the administrator for salvage at the cardholder’s or gift recipient’sexpense. Failure to remit the requested item for salvage to the claim administrator may result indenial of the claim.

In no event will these insurance benefits apply as contributing insurance. The non-contributioninsurance clause will take precedence over the non-contribution clause found in any otherinsurance policies.

Benefits listed in this Guide are subject to the conditions, limitations, and exclusions described ineach benefit section. Receipt or possession of this Guide to Benefits does not guaranteecoverage or coverage availability. FLD-2 (3/05)

This Guide is intended as a summary of services, benefits, and coverages and, in caseof a conflict between the Guide and the master insurance policies, or a member’s, or theMasterCard actual offerings, such master policies or actual offering shall control.

1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST

Guide toBenefits

• Referrals to Interpreters• Dispatch of an InterpreterIn case of imprisonment, hospitalization or circumstances that demand the services of aninterpreter, MasterAssist shall make the necessary arrangements to provide the Beneficiary withan interpreter. It is expressly understood and agreed upon that all costs are the soleresponsibility of the cardholder, and can be charged to the cardholder’s account, subject toauthorization by the Card Issuer.5. TRAVEL-ORIENTED EMERGENCY ASSISTANCECash advances Up to USD $5,000In the event of lost or stolen cash, Travelers Checks, credit and charge cards or in the event that thereare no ATMs available at the Beneficiary’s location, MasterAssist shall advance cash to the Beneficiary(to be charged to cardholder’s account and subject to authorization by the Card issuer).Urgent message relayTransmission of urgent messages from the Beneficiary to relatives, business associates, friendsresiding in his/her country of residence and vice versa.Luggage assistanceMasterAssist shall provide assistance in locating lost luggage and shall provide to theBeneficiary regular updates on the location status.Lost document, ticket replacement, and return trip assistanceIn case of loss or theft of the MasterCard card, travel tickets, passport, visa or other identitypapers necessary to return home, MasterAssist will provide assistance in replacing them bycontacting local police, consulates, airline company or other appropriate entities.In the event of loss or theft of the transportation ticket to return home, a replacementtransportation ticket can be arranged. It is expressly understood and agreed upon that all costsare the sole responsibility of the cardholder, and can be charged to the cardholder’s account,subject to authorization by the Card Issuer.III. COST OF THE ASSISTANCE SERVICES PROVIDEDMasterAssist offers valuable emergency assistance services, however it is not insurance coverage.Please keep in mind that you will be responsible for the fees incurred for professional or emergencyservices requested of MasterAssist™ Travel Assistance Services (such as, medical or legal bills).Most of the assistance services are offered to the cardholder at no cost; however, according tocircumstances and depending on the nature of the requested service, AXA Assistance may haveto advance payment on behalf of the cardholder subject to the cardholder’s approval. In thiscase, the advanced payment and associated delivery fees shall be reimbursed to AXAAssistance through the debit of the cardholder’s MasterCard Card account, subject to priorapproval of the cardholder’s issuing bank. In the event approval for the charge is not grantedby the issuing bank, the payment coverage/monetary advance will not be provided6. MASTER ROADASSIST® SERVICE SERVICE• If your car breaks down on the road while you are traveling in the 50 United States or theDistrict of Columbia, just call 1-800-MC-ASSIST and tell us where you are.

• We’ll send someone to the rescue. This is not only reassuring, but it may also save youmoney because fees for many services (jump-starts, towing, gas delivery, tire changes) arepre-negotiated. Road service fees will be automatically billed to your MasterCard Card account.

• You are responsible for emergency road service charges incurred by towing facilitiesresponding to your dispatch, even if you are not with your car (or it’s gone) when the tow truckarrives. MasterCard International is not responsible or liable for the service the towing facilityprovides. Towing facilities are independent contractors, solely liable for their services.

• Emergency road service is not available in areas not regularly traveled, in “off-road” areasnot accessible by ordinary towing vehicles, or for over one-ton capacity trailers, campers,or vehicles-in-tow.

• If you have a rental vehicle, be sure to call the car rental agency before you call1-800-MC-ASSIST, as many rental agencies have special procedures regardingemergency road service.

Reminder: Please refer to the Final Legal Disclosure section.

©2013 MasterCard CPS-GTB-11

To file a claim or request MasterAssist Services,call 1-800-MC-ASSIST (1-800-622-7747),

or en Español: 1-800-633-4466.Visit our Web site at www.mastercard.com.

Important information. Please read and save.To file a claim or for more information on any of these services,call the MasterCard Assistance Center at 1-800-MC-ASSIST,

or en Español: 1-800-633-4466.

Provident Business Debit MasterCardGuide to Benefits

CPS-GTB-11

“Card” refers to MasterCard® card, and “Cardholder”refers to a MasterCard® cardholder.

MasterCard Guide to BenefitsBenefits that are always with you

This Provident Business Debit MasterCard Guide to Benefits describes the valuableprograms available to you as a cardholder of:

MasterCard BusinessCard® Card

MasterCard Executive BusinessCard® Card

MasterCard® Professional Card

World MasterCard® for Business Card

Debit MasterCard BusinessCard® Card

MasterCard® Small Business Multi Card

MasterCard Corporate Card®

MasterCard Corporate Executive Card®

MasterCard Corporate Purchasing Card®

MasterCard Corporate Fleet Card®

MasterCard Corporate Multi Card® Card

MasterCard Public Sector Travel Card®

MasterCard Public Sector Purchasing Card®

MasterCard Public Sector Fleet Card®

MasterCard Public Sector Multi Card® Card

MasterCard Government Travel Card®

MasterCard Government Purchasing Card®

MasterCard Government Fleet Card®

MasterCard Government Integrated Card®

ATM LocationsCall 1-800-4CIRRUS to find the location of a nearby ATM in the MasterCard ATM Networkaccepting MasterCard®, Maestro®, and Cirrus® brands. Also, visit our Web site atwww.mastercard.com to use our ATM locator. You can get cash at over one million ATMsworldwide. Be sure you know your PIN (Personal Identification Number) before you travel inorder to enable cash access.

ACCOUNT AND BILLING INFORMATION DISCLOSUREImportant: Contact your card-issuing financial institution directly for questions concerningyour account, such as account balance, credit line, billing inquiries (including transactionexchange rates), merchant disputes, or information about additional services not described inthis Guide. Your financial institution’s phone number should be available on your monthlybilling statement or on the back of your card.

FINAL LEGAL DISCLOSUREThis Guide is not a policy or contract of insurance or other contract.Benefits are purchased by MasterCard and provided free to you, but non-insurance servicesmay have associated costs, which will be your responsibility (for example, legal referrals arefree, but the lawyer’s fee is your responsibility).

MasterRental, Purchase Assurance, Extended Warranty, and Travel Services MedicalProtection coverage are provided under a master policy of insurance issued by Virginia SuretyCompany, Inc. This Guide is intended as a summary of benefits provided to you. Allinformation about the insurance benefits listed in this Guide is governed by the conditions,limitations, and exclusions of the master policy.As the insurer of the MasterCard coverage described herein, Virginia Surety Company, Inc.(“VSC”) collects personal information about you from the following sources:

Information the insurer gathers from you, from your request for insurance coverage, or otherforms you furnish to the insurer, such as your name, address, telephone number, andinformation about your transactions with the insurer such as claims made and benefits paid.The insurer may disclose all information it collects, as described above, to companies thatperform administrative or other services on our behalf solely in connection with the insurancecoverage you have received. The insurer does not disclose any personal information aboutformer insureds to anyone, except as required by law. The insurer restricts access to personalinformation about you to those employees who need to know that information in order toprovide coverage to you. The insurer maintains physical, electronic, and proceduralsafeguards that comply with federal regulations to guard your personal information. Shouldyou have any questions about the insurance procedures or the information contained withinyour file, please contact the insurer by writing to:

Compliance DepartmentVirginia Surety Company, Inc.175 W. Jackson Blvd.Chicago, IL 60604

Effective date of benefits: Effective February 1, 2008, this Guide replaces all prior disclosures,program descriptions, advertising, and brochures by any party. MasterCard and the insurerreserve the right to change the benefits and features of these programs at any time.

Cancellation:We can cancel these benefits at any time or choose not to renew the insurancecoverage for all cardholders. If we do cancel these benefits, you will be notified at least sixty(60) days in advance. If the insurance company terminates, cancels, or chooses not to renewthe coverage to MasterCard, you will be notified as soon as is practicable. Insurance benefitswill still apply for any benefits you were eligible for prior to the date of such terminations,cancellation, or non-renewal, subject to the terms and conditions of coverage.

Benefits to you: These benefits apply only to MasterCard cardholders whose cards are

PB_Business_GTB:10847_2005_GTB_feb_1 11/18/2013 5:54 PM Page 1

MASTERRENTAL INSURANCEMasterCard cardholders can benefit from the security and safety offered through MasterRentalInsurance. If you rent a vehicle for 31 consecutive days or less with your MasterCard card, youmay be eligible for benefits under this coverage. MasterRental is an insurance program.

Key term:• You or Yours means MasterCard cardholder.

To get coverage:• Initiate and pay for the entire rental agreement/contract (tax, gasoline, and airport fees are notconsidered rental charges) with your MasterCard card. If a rental agency promotion/discount ofany kind is initially applied toward payment of the rental vehicle, at least one (1) day of rentalmust be billed to your MasterCard card.

• You must decline the Collision/Damage Waiver offered by the vehicle rental agency.• You must rent the vehicle in your own name and sign the vehicle rental agreement/contract.• Your rental agreement/contract must be for a rental period of 31 consecutive days or less.Rental periods that exceed or are intended to exceed 31 consecutive days are not covered.

• You must rent a vehicle (including minivans and sport utility vehicles that are designed toaccommodate nine passengers or fewer) that is intended for bound surfaces, such as concreteand tarmac. Rented vehicles must have a manufacturer’s suggested retail price that does notexceed USD $50,000.

The kind of coverage you receive:• MasterRental will pay for covered damages on a primary basis for which you or any otherauthorized driver is legally responsible to the rental agency.

• Covered damages include:– Physical damage and theft of the vehicle, not to exceed the limits outlined below.– Reasonable loss of use charges imposed by the vehicle rental agency for the period of timethe rental vehicle is out of service. Loss of use charges must be substantiated by a locationand class specific fleet utilization log.

– Reasonable towing charges to the nearest factory-authorized collision repair facility.– Secondary Personal Effects benefits covers damage or theft of such effects. You must first fileunder other applicable insurance (for example, home or business), then we’ll cover whateveris not covered by your insurance.

– Theft or damage to personal effects while in transit in the rental vehicle or in any building enroute during a trip using the rental vehicle.

• If you or an authorized driver’s primary vehicle insurance or other coverage has made paymentsfor a covered loss, MasterRental will cover your deductible and any other eligible amounts notcovered by other insurance.

• This coverage is not all-inclusive, which means it does not cover such things as personal injuryor personal liability. It does not cover you for any damages to other vehicles or property. It doesnot cover you for any injury to any party.

Who is covered?• The MasterCard cardholders and those designated in the vehicle rental agreement/contract asauthorized drivers.

• You, your associates, and your immediate family are covered by the Secondary Personal Effectsbenefit, subject to the limits below.

Excluded rental vehicles:• All trucks, pickups, full-size vans mounted on truck chassis, campers, off-road vehicles, andother recreational vehicles.

• All sport utility trucks. These are vehicles that have been or can be converted to an open, flatbedtruck (including, but not limited to, Chevy Avalanche, GMC Envoy, and Cadillac Escalade EXT).

• Trailers, motorbikes, motorcycles, and any other vehicle having fewer than four (4) wheels.• Antique vehicles (vehicles that are more than twenty (20) years old or that have not beenmanufactured for at least ten (10) years) or limousines.

• Any rental vehicle that has a manufacturer’s suggested retail price that exceeds USD $50,000.

Where you are covered:In general, coverage applies worldwide, but there are exceptions:• You may be unable to receive benefits in Australia, Ireland, Israel, Italy, Jamaica, and NewZealand. Please contact your vehicle rental agency before you travel.

• Coverage is not available where prohibited by law.

Coverage limitations:• MasterRental will pay the lesser of the actual repair amount, current market value (lesssalvage), or USD $50,000 per incident for which the MasterCard cardholder or any otherauthorized driver is legally responsible to the rental agency.

• Secondary Personal Effects benefit will pay up to USD $1,000 per covered person, peroccurrence, not to exceed a total of USD $2,000 per any single rental period.

• MasterRental will not pay for or duplicate the Collision/Damage Waiver coverage offered by therental agency.

What is NOT covered:• Vehicle not rented by the MasterCard cardholder or authorized user on MasterCard account.• Any person not designated in the rental agreement/contract as an authorized driver.• Any obligations you assume other than that which is covered under MasterRental coverage.• Any violation of the written terms and conditions of the rental agreement/contract.• Any loss that occurs while driving under the influence of drugs or alcohol; racing; reckless driving.• Losses involving the theft of the rental vehicle when the renter or authorized driver cannotproduce the keys to the rental vehicle at the time of reporting the incident to police and/orrental agency, as a result of negligence.

• Mechanical failures caused by wear and tear, gradual deterioration, or mechanical breakdown.• Subsequent damages resulting from a failure to protect the rental vehicle from further damage.• Blowouts or tire/rim damage that is not caused by theft or vandalism or is not a result of avehicle collision causing tire or rim damage.

• Rental vehicles where Collision/Damage Waiver coverage was accepted/purchased by you orgiven to you by the rental agency.

• Any damage that is of an intentional or non-accidental nature caused by the renter orauthorized driver(s) of the rental vehicle. [Except for residents of the State of New York, thisexclusion is modified by the following limitation. This exclusion does not apply if 1.) an individualor joint cardholder is liable for damages to the rental vehicle under the rental agreement/contractor liable for the charges from damages to the rental vehicle under the credit card agreement,2.) the individual or joint cardholder is a victim of domestic violence and did not cooperate in orcontribute to the damage, 3.) the damage arises out of a pattern of criminal domestic violence,and 4.) the perpetrator of the damage is criminally prosecuted for the act or acts causing thedamage for which a claim is being made under this coverage. For New York State residents,this modification does not apply and is not in effect.]

• Depreciation, diminishment of value, administrative, or other fees charged by the vehicle rental agency.• Vehicles with a rental agreement/contract that exceeds or is intended to exceed a rental periodof 31 consecutive days from a rental agency.

• Losses resulting from any kind of illegal activity.• Damage sustained on any surface other than a bound surface such as concrete or tarmac.• Losses as a result of war or hostilities of any kind (including, but not limited to, invasion,terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by anygovernment, public authority, or customs official; risks of contraband; illegal activity or acts.

• Any loss involving the rental vehicle being used for hire, for commercial use, or as a public orlivery conveyance.

• Indirect or direct damages resulting from a covered claim.• Theft of, or damage to, unlocked or unsecured vehicles.• Value-added tax, or similar tax, unless reimbursement of such tax is required by law.

• Losses caused by liquids, fluids, oils, chemicals, or bodily fluids/excretions.• Indirect or direct damages resulting from a covered loss.• Game animals, pets, or specimens preserved for display (for example, fish, birds, reptiles, or mammals).• Items stolen or damaged at a construction/work site.• Rented, leased, or borrowed items for which you will be held responsible.

How to file a claim under Purchase Assurance coverage:• Call 1-800-MC-ASSIST to request a claim form. You must report the claim within 30 days ofthe loss or the claim may not be honored.

• Submit the following documentation within 90 days of the date you report the claim:– Completed and signed claim form.– Proof of loss.– Photograph clearly showing damage, if applicable.– MasterCard receipt showing purchase of covered item.– MasterCard statement showing purchase of covered item.– Itemized purchase receipt.– Report from police listing items stolen.– Copy of the declarations page of any applicable insurance or protection (including, but notlimited to, homeowner’s, renter’s, or auto insurance policies).

– Any other documentation that may be reasonably requested to validate a claim.Reminder: Please refer to the Final Legal Disclosure section. PA-CORP-DCB (1-05)

EXTENDED WARRANTY COVERAGEMasterCard cardholders can benefit from the security and safety offered through ExtendedWarranty coverage. Extended Warranty Coverage is an insurance program.

Key term:• You or Yours means MasterCard cardholder.

To get coverage:• You must purchase the new item entirely with your MasterCard card for yourself or to give asa gift.

• The item must have an original manufacturer’s (or U.S. store brand) warranty of 60 months or less.• The original purchase does not have to be registered to receive this benefit.

The kind of coverage you receive:• Extended Warranty doubles the original warranty time period and duplicates the coverage ofthe original manufacturer’s (or U.S. store brand) warranty up to a maximum of 12 months onmost items you purchase. For products with multiple warranty components, each warranty timeperiod will be duplicated up to a maximum of 12 months. Should you fail to properly registerthe original warranty as required by manufacturer, Extended Warranty will only double the actualwarranty time period that you received from the manufacturer. An example of a product withmultiple warranty components includes an appliance with original manufacturers’ (or U.S. storebrand’s) warranties that differ for parts, labor, compressor, and so on.

• If you purchase a service contract or an optional extended warranty of 12 months or lesson your item, Extended Warranty will cover up to an additional 12 months after both theoriginal manufacturer’s (or U.S. store brand’s) warranty and the purchased service contractor extended warranty coverage period end. If your service contract or extended warrantyexceeds 12 months, this coverage does not apply.

• If you do not have an additional service contract or an optional extended warranty, thisExtended Warranty benefit commences the day after your original manufacturer’s (or U.S.store brand’s) warranty expires.

Coverage limitations:• The maximum Extended Warranty benefit for repair or replacement shall not exceed the actualamount charged on your MasterCard card or USD $10,000, whichever is less.

• If either the original manufacturer’s (or U.S. store brand’s) warranty or the service contractcovers more than 60 months, Extended Warranty benefits will not apply.

• Purchases that are made up of a pair or set will be limited to the cost of repair orreplacement of the specific item stolen or damaged. If the specific item cannot be replacedindividually or repaired, the value of the pair or set will be covered not to exceed the limitsabove.

• Coverage for stolen or damaged jewelry or fine art will be limited to the actual purchase priceas listed on your credit card statement, regardless of sentimental or appreciated market value.

What is NOT covered:• Items left in public sight, out of arm’s reach, lacking care, custody, or control by theMasterCard cardholder or responsible party.

• Lost items, and items that mysteriously disappear (the only proof of loss is unexplained orthere is no physical evidence to show what happened to the item) without any evidence of awrongful act.

• Items that are stolen from any location or place (including, but not limited to, exercisefacilities, places of employment, schools, or places of worship) due to the lack of duediligence by you or another party. “Due diligence” means the performance of all vigilantactivity, attentiveness, and care that would be taken by a reasonable and prudent person inthe same or similar circumstances in order to guard and protect the item.

• Items lost, stolen, damaged, or mis-delivered while under the care, custody, and control ofanother party or common carrier (including, but not limited to, airlines, the U.S. PostalService, UPS, FedEx, or other delivery services).

• Losses due to normal wear and tear, misuse, gradual deterioration, and/or abuse.• Losses resulting from any dishonest, fraudulent, or criminal act committed or arranged by you.• Losses that cannot be verified or substantiated.• Items covered by a manufacturer’s recall or class action suit.• Items that you damage through alteration (including, but not limited to, cutting, sawing, shaping).• Used or antique items; collectibles of any kind (such as items designed for people to collector items that over time become collectibles); recycled, previously owned, refurbished,rebuilt, or remanufactured items.

• Stolen items without documented report from the police.• Items that are damaged during transport via any mode.• Items stolen from the interior or exterior of a watercraft/boat, aircraft, motorcycle,automobile or any other motor vehicles.

• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, andmotorcycles or their motors, equipment, or accessories. Motorized equipment not designedfor transportation and used solely for the upkeep and maintenance of a residence is eligiblefor coverage (including, but not limited to, snow thrower, lawn mowers, and hedge trimmers).

• Land, any buildings (including, but not limited to, homes and dwellings), permanentlyinstalled items, fixtures, or structures.

• Traveler’s checks, tickets of any kind (for example, for airlines, sporting events, concerts, orlottery), negotiable instruments, bullion, rare or precious metals, stamps, and coins andcurrency or its equivalent.

• Losses caused by insects, animals, or pets.• Plants, shrubs, animals, pets, consumables, and perishables.• Items purchased for resale or rental use.• Professional services (including, but not limited to, the performance or rendering of labor ormaintenance; repair or installation of products, goods, or property; professional advice ofany kind, including, but not limited to, information/services or advice secured from any helpor support line; or technical support for software, hardware, or any other peripherals).

• Application programs, computer programs, operating software, and other software.• Losses resulting from war or hostilities of any kind (including, but not limited to, invasion,terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by anygovernment, public authority, or customs official; risks of contraband; illegal activity or acts.

• Losses caused by power surge, and contamination by radioactive or other hazardoussubstances, including mold.

• Losses caused by inherent product defects or pre-existing conditions.• Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood,hurricane, lightning, and earthquake).

How to file a claim under MasterRental coverage:• Call 1-800-MC-ASSIST to request a claim form. You must report the claim within 30 days ofthe loss or the claim may not be honored.You may choose to assign your benefits under this insurance program to the rentalagency from which you rented your vehicle. Please contact 1-800-MC-ASSIST forfurther details.

• Submit the following documentation within 180 days of the incident or the claim will not behonored:– Completed and signed claim form.– MasterCard receipt showing the rental.– MasterCard statement showing the rental.– The rental agreement (front and back).– Copy of valid driver’s license (front and back).– Report from police verifying that vehicle was stolen, vandalized, or involved in a collision.– Itemized repair estimate from a factory authorized collision repair facility.– Copy of vehicle rental agency promotion/discount, if applicable.– Copy of the vehicle rental location class-specific fleet utilization log if loss of use chargesare being claimed. You must secure this log from the rental agency.

– For Personal Effects benefits:n Report from police listing items stolen.n Copy of the declarations page of any applicable insurance or protection (including, butnot limited to, homeowner’s, renter’s, or auto insurance policy).

n Photograph clearly showing damage, if applicable.– Any other documentation that may be reasonably requested to validate a claim.

Reminder: Please refer to the Final Legal Disclosure section. MR-CORP-DCB (1-05)

PURCHASE ASSURANCE COVERAGEMasterCard cardholders can benefit from the security and safety offered through PurchaseAssurance Coverage. If something you bought with your MasterCard card is damaged or stolenwithin 90 days of purchase, you may be eligible for benefits under this coverage. PurchaseAssurance Coverage is an insurance program.Key terms:• You or Yours means MasterCard cardholder.• Stolen means items that are taken by force or under duress or the disappearance of the itemfrom a known place under circumstances that would indicate the probability of theft.

• Damage means items that can no longer perform the function they were intended to do innormal service due to broken parts or material or structural failures.

To get coverage:• You must purchase the new item entirely with your MasterCard card for yourself or to give asa gift.

• Original purchase does not have to be registered to receive this benefit.

The kind of coverage you receive:• Most items you purchase entirely with your MasterCard card are covered if damaged orstolen for 90 days from the date of purchase as indicated on your MasterCard receipt.

• Items you purchase with your MasterCard card and give as gifts also are covered.• This coverage is secondary to any other applicable insurance or coverage available to you orthe gift recipient. Coverage is limited to only those amounts not covered by any otherinsurance or coverage benefit.

Coverage limitations:• Coverage is limited to the actual cost of the item (excluding delivery and transportation costs).• Coverage is limited to a maximum of USD $10,000 per claim and a total of USD $50,000per cardholder account per twelve (12) month period.

• The administrator will decide if a covered failure will be repaired or replaced or whether youwill be reimbursed up to the amount paid for the item. Items will be replaced with those oflike kind and quality. However, we cannot guarantee to match exact color, material, brand,size, or model.

What is NOT covered:• Used or antique items; collectibles of any kind (such as items designed for people tocollect or items that over time become collectibles) that do not come with a manufacturerwarranty (repair or replacement amount will not include market value at time of claim);recycled, previously owned, refurbished, rebuilt, or remanufactured items; productguarantees (such as, glass breakage); or “satisfaction guaranteed” items.

• Floor models that do not come with an original manufacturer warranty.• Motorized vehicles, including, but not limited to, automobiles, watercraft/boats, aircraft, andmotorcycles or their motors, equipment, or accessories. Parts, if purchased separately, maybe covered.

• Land; any buildings (including, but not limited to, homes and dwellings); permanentlyinstalled items, fixtures, or structures.

• Plants, shrubs, animals, pets, consumables, and perishables.• Professional Services (including, but not limited to, the performance or rendering of laboror maintenance; repair or installation of products, goods, or property; professional adviceof any kind, including, but not limited to, information/services or advice secured from anyhelp or support line; or technical support for software, hardware, or any other peripherals).

• Application programs, operating software, and other software.• All types of media with stored data or music (including, but not limited to, computersoftware, DVDs, video cassettes, CDs, film, and audio cassettes).

• Any shipping charges, transportation and delivery charges, or promised time frames fordelivery, whether or not stated or covered by the manufacturer’s warranty.

• Direct or indirect loss resulting from any Acts of God (including, but not limited to, flood,hurricane, lightning, and earthquake).

• Indirect or direct damages resulting from a covered loss.• Mechanical failure arising from product recalls.• Trip, service, or diagnostic charges in the absence of any covered repairs or verified failure.• Loss resulting from war or hostilities of any kind (including, but not limited to, invasion,terrorism, rebellion, insurrection, riot, or civil commotion); confiscation or damage by anygovernment, public authority, or customs official; risks of contraband, or illegal activity or acts.

• Mechanical failures caused by normal wear and tear or gradual deterioration where nofailure has occurred.

• Items purchased for resale or rental use.• Mechanical failures caused by lack of maintenance/service• Losses caused by power surge; contamination by radioactive or other hazardoussubstances, including mold.

How to file a claim for Extended Warranty coverage:• Call 1-800-MC-ASSIST to request a claim form. You must report the claim within 30 daysof the failure or the claim may not be honored.

• Submit the following documentation within 90 days from the date of failure or the claimmay not be honored:– Completed and signed claim form.– MasterCard receipt showing covered item.– MasterCard statement showing covered item.– Itemized purchase receipt.– Original manufacturer’s (or U.S. store brand’s) warranty.– Service contract or optional extended warranty, if applicable.– Itemized repair estimate from a factory-authorized service provider.– Any other documentation that may be reasonably requested to validate a claim.

Reminder: Please refer to the Final Legal Disclosure section. EW-CORP-DCB (1-05)

TERMS AND CONDITIONS FOR MASTERASSISTThis document details the MasterAssist™ services available to you as a member of the plandescribed as follows.Eligibility: In order to be eligible for the services and benefits offered by MasterCardInternational through AXA Assistance USA, You must be a beneficiary as defined below.Membership to the program is non-transferable.Duration of Coverage: As long as You remain a MasterCard cardholder in good standing,You will have access to the assistance services described herein.Availability of Services: MasterAssist is available worldwide, with the exception of those countriesand territories which may be involved in an international or internal conflict, or in those countriesand territories where the existing infrastructure is deemed inadequate by AXA Assistance USA toguarantee service. The Beneficiary may contact MasterAssist prior to embarking on a covered tripto confirm whether or not services are available at his/her destination(s).Access: The services and benefits offered in the MasterCard program will be arranged byAXA Assistance USA.For 24-hour emergency assistance call the MasterCard Assistance Center at:Toll free number in the United States: 1-800-307-7309Outside the United States, call collect at 636-722-7111

I. GENERAL DEFINITIONSBeneficiary: An eligible MasterCard® cardholder in good standing whose card has beenissued by an institution located in the United States and with his/her permanent address ofresidence within the United States; such cardholder’s spouse; or, a dependent child underthe age of nineteen (19) or under the age of twenty-five (25) in the case of a dependentfull-time college student. In either case the family member resides permanently at the sameaddress as the cardholder and is traveling with the cardholder.Family Member: Any Beneficiary’s common law spouse, and his or her children.MasterAssist™: Service provided by AXA Assistance USA, Inc. on behalf of MasterCardInternational.II. CONTENT OF THE ASSISTANCE SERVICESThe Beneficiary is entitled to obtain the following services (i) when 100 miles (160km) ormore away from such Beneficiary’s primary residence; or (ii) while traveling overseas outsidethe home country of origin:1. TRAVEL MEDICAL EMERGENCY ASSISTANCEReferrals to medical services: If you have a medical emergency while traveling,MasterAssist will refer you to qualified: physicians, hospitals, clinics, ambulances, privateduty nurses, dentists, dental clinics, services for the disabled, opticians, ophthalmologists,pharmacies, suppliers of contact lenses and medical aid equipment.

For the convenience of the cardholder, MasterAssist will make arrangements for a generalpractice physician to consult the Beneficiary’s hotel or current location while traveling.Although MasterAssist service will make every effort, this service may not be available in allstates and countries. If a physician can not be dispatched, other arrangements will be madeby MasterAssist and options will be offered to the Beneficiary. It is expressly understood andagreed upon that all costs are the sole responsibility of the cardholder.Hospital admission: If you require hospitalization, MasterAssist can organize the hospitaladmission and, if requested, the guarantee of medical expenses. It is expressly understoodand agreed upon that all costs are the sole responsibility of the cardholder, and can becharged to the cardholder’s account, subject to authorization by the Card Issuer.Medical transportation/Medical evacuationIf the MasterAssist medical department determines that adequate medical facilities are not locallyavailable in the event of an accident or illness, MasterAssist service will arrange for an emergencyevacuation to the nearest facility capable of providing adequate care. The MasterAssist serviceteam of physicians will be able to make travel recommendations including the mode of transport,whether or not an escort is needed (medical or non-medical), as well as ground transportrequirements (for example, wheelchair assistance, ambulance at each end). It is expresslyunderstood and agreed upon that all costs are the sole responsibility of the cardholder.

1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST 1-800-MC-ASSIST

BusinessCard

Executive BusinessCard

Professional Card

World for Business

Debit BusinessCard

Small Business Multi Card

Corporate Card

Corporate Executive Card

Corporate Purchasing Card

Corporate Fleet Card

Corporate Multi Card

Public Sector Travel Card

Public Sector Purchasing Card

Public Sector Fleet Card

Public Sector Multi Card

Government Travel Card

Government Purchasing Card

Government Fleet Card

Government Integrated Card

* Driver-assigned cards only

MasterRen

tal®

Insu

ranc

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verage

Extend

edWarranty

MasterAssist

Services

MasterCard®

VATRe

claim

Service

MasterCard

Glob

alSe

rvice®

Purcha

seAs

suranc

e®

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3

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3

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3

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3

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3

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3

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3

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3 *

3

3

3

3 *

3 *

3

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3

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The chart below identifies the specific benefits of each program at a glance. We suggest you takea few minutes to familiarize yourself with the benefits of each program. You may also want tomake a photocopy to take with you when traveling. This Guide applies to travel and retailpurchases made on or after February 1, 2008, and supersedes any previous Guide or program

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